I agree with Allen on the FT deal. I truly think mine, for instance, is great for me in dealing with my personal issues. She's even got the right philosophy about dealing with marriages in crisis. However, she wasn't a lot of good in specific, day-to-day interactions. I get better advice here! SO, I'm wondering why spend the money unless H is ready to go too on a regular basis. I'm already on track for my own personal goals...
This is why I want to become a FT: too many of them are not really good at hardball and coaching you through the game!